Harris, Reed & Seiferth Insurance Group
  • Home
  • Quotes
    • Property >
      • Home Quote
      • Condo Quote
      • Mobile Home Quote
      • Renters Quote
      • Personal Vacant Property Quote
      • Landlords Quote
      • Flood Quote
      • Personal Inland Marine Quote
      • Personal Vacant Land Quote
      • Builder's Risk Quote
    • Vehicles >
      • Auto Quote
      • Motorcycle Quote
      • Snowmobile Quote
      • ATV Quote
      • Motor Home/RV Quote
      • Golf Cart Quote
      • Scooter Quote
      • Roadside Assistance Quote
    • Life >
      • Life Insurance Quote
    • Medical >
      • Health Quote
      • Dental Quote
      • Vision Quote
      • Critical Illness Quote
      • Disability Quote
      • Medicare Supplement Plan Quote
      • Long Term Care Quote
    • Business >
      • Business Quote
    • Specialty >
      • Boatowners Quote
      • Umbrella Quote
      • Travel Insurance Quote
      • Private Horse Owner Liability Quote
  • Products
    • Property >
      • Learn about Home Insurance
      • Learn about Condo Insurance
      • Learn about Renters Insurance
      • Learn about Mobile Home Insurance
      • Learn about Personal Inland Marine Insurance
      • Learn about Vacant Land (Personal)
      • Learn about Vacant Property
      • Learn about Flood Insurance
      • Learn about Builder's Risk Insurance
      • Learn about Landlords Insurance
    • Vehicles >
      • Learn about Auto Insurance
      • Learn about Classic Car Insurance
      • Learn about Motorcycle Insurance
      • Learn about Snowmobile Insurance
      • Learn about ATV Insurance
      • Learn about RV Insurance
      • Learn about Golf Cart Insurance
      • Learn about Scooter Insurance
      • Learn About Roadside Assistance Insurance
    • Life >
      • Learn about Life Insurance
      • Learn about Guaranteed Issue
    • Medical >
      • Learn about Health Insurance
      • Learn about Dental Insurance
      • Learn about Vision Insurance
      • Learn about Critical Illness Insurance
      • Learn about Disability Insurance
      • Learn about Long Term Care Insurance
      • Learn about Medicare Advantage Plans Insurance
    • Business >
      • Learn about Business Insurance
      • Learn about Commercial Marine Insurance
    • Specialty >
      • Learn about Boatowners Insurance
      • Learn about Aviation Insurance
      • Learn about Umbrella Insurance
      • Learn about Travel Insurance
      • Learn about Private Horse Owner Liability Insurance
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
  • Resources
    • Blog
    • Free Home Inventory Checklist
    • Free Disaster Preparedness Plan
    • Refer a Friend
  • About
    • Insurance Carriers
    • Accessibility Statement
    • Contact
  • Home
  • Quotes
    • Property >
      • Home Quote
      • Condo Quote
      • Mobile Home Quote
      • Renters Quote
      • Personal Vacant Property Quote
      • Landlords Quote
      • Flood Quote
      • Personal Inland Marine Quote
      • Personal Vacant Land Quote
      • Builder's Risk Quote
    • Vehicles >
      • Auto Quote
      • Motorcycle Quote
      • Snowmobile Quote
      • ATV Quote
      • Motor Home/RV Quote
      • Golf Cart Quote
      • Scooter Quote
      • Roadside Assistance Quote
    • Life >
      • Life Insurance Quote
    • Medical >
      • Health Quote
      • Dental Quote
      • Vision Quote
      • Critical Illness Quote
      • Disability Quote
      • Medicare Supplement Plan Quote
      • Long Term Care Quote
    • Business >
      • Business Quote
    • Specialty >
      • Boatowners Quote
      • Umbrella Quote
      • Travel Insurance Quote
      • Private Horse Owner Liability Quote
  • Products
    • Property >
      • Learn about Home Insurance
      • Learn about Condo Insurance
      • Learn about Renters Insurance
      • Learn about Mobile Home Insurance
      • Learn about Personal Inland Marine Insurance
      • Learn about Vacant Land (Personal)
      • Learn about Vacant Property
      • Learn about Flood Insurance
      • Learn about Builder's Risk Insurance
      • Learn about Landlords Insurance
    • Vehicles >
      • Learn about Auto Insurance
      • Learn about Classic Car Insurance
      • Learn about Motorcycle Insurance
      • Learn about Snowmobile Insurance
      • Learn about ATV Insurance
      • Learn about RV Insurance
      • Learn about Golf Cart Insurance
      • Learn about Scooter Insurance
      • Learn About Roadside Assistance Insurance
    • Life >
      • Learn about Life Insurance
      • Learn about Guaranteed Issue
    • Medical >
      • Learn about Health Insurance
      • Learn about Dental Insurance
      • Learn about Vision Insurance
      • Learn about Critical Illness Insurance
      • Learn about Disability Insurance
      • Learn about Long Term Care Insurance
      • Learn about Medicare Advantage Plans Insurance
    • Business >
      • Learn about Business Insurance
      • Learn about Commercial Marine Insurance
    • Specialty >
      • Learn about Boatowners Insurance
      • Learn about Aviation Insurance
      • Learn about Umbrella Insurance
      • Learn about Travel Insurance
      • Learn about Private Horse Owner Liability Insurance
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
  • Resources
    • Blog
    • Free Home Inventory Checklist
    • Free Disaster Preparedness Plan
    • Refer a Friend
  • About
    • Insurance Carriers
    • Accessibility Statement
    • Contact

Harris, Reed & Seiferth
​Insurance Group Blog

Top motor home questions to ask your agent

5/12/2020

0 Comments

 
Picture
Mobile Home Quote
Summer is slowly making it's way here and before you get out on the open road, make sure you have the correct coverage for your RV:

"It's a good idea to consider specialized coverage for your recreational vehicle (RV)," says Foremost Insurance Group Senior Product Manager Randy Sellhorn. "It functions as a motorized vehicle some of the time and a home some of the time—having coverage for both of these purposes typically doesn't come from just an auto policy or a home policy."

Here are top questions Sellhorn suggests you ask your agent or broker when you are deciding what coverage to purchase for your RV.

  1. Is my optional equipment covered? "Awnings, air conditioners, satellite dishes, LP tanks and bike racks can all be damaged, so ask if these things are covered by your policy," suggests Sellhorn. "Be sure to discuss whether the coverage applies only to originally affixed equipment or if it includes equipment that you attach after purchasing your RV. A good policy will give you a set amount of coverage included with your comprehensive coverage, with the ability to purchase more."
  2. Is my personal property inside the motor home or travel trailer covered? "Chances are you are packing your camping, cooking and other traveling equipment for your trip, including golf clubs or other things for entertainment," Sellhorn adds. "You can typically choose coverage for these items as part of a package. The one thing to double check about personal property is sometimes your homeowner's policy can have exceptions regarding coverage for personal property in a motorized vehicle. Your agent can help you figure out your best option."
  3. What type of coverage is best for me—Replacement Cost or Actual Cash Value? "Replacement cost coverage protects your motor home from the effects of depreciation and usually isn't available with an auto policy," explains Sellhorn. "With a Replacement Cost policy, if your new-model motor home is destroyed within a certain period of time after purchase, the insurance company will replace it with a brand new one of similar kind and quality. If your motor home is destroyed and you only have an Actual Cash Value policy, which is typically what you'd get with an auto policy, you will only be paid the current value of your motor home."
  4. What payment plans are available? "Whether you want to pay in full or in installments, having the flexibility to choose is an important option," offers Sellhorn. "Talk to your agent or broker. Insurance companies offer many different plans such as one-pay, four-pay or ten-pay options."
  5. Is towing or roadside assistance available? "Towing and Roadside Assistance is a great coverage to have if your motor home or travel trailer breaks down and can include towing, jump starts, roadside service, flat tire changes, fuel delivery and locksmith services," adds Sellhorn. "Specialized coverage is important and can exceed what you would get from an auto policy. You'll want to be covered 24/7 by experts who have the equipment and parts to help with a bigger vehicle like an RV. Ask if coverage extends to any vehicles you may be towing behind you."
  6. What about special coverages for full-timers or vacationers? "Some insurance companies offer these special coverages, which may cover full-timers when they are parked and using their RV as a residence," says Sellhorn. "You can also ask about vacation liability, which may cover you in case you are found responsible for someone else's injury in your motor home while it's parked. Again, exclusions in your homeowners policy may play into what type of coverage you want to purchase for your RV, so take this into consideration when you discuss your options."

    Source: https://www.foremost.com/learning-center/top-motor-hometravel-trailer-questions-to-ask-your-insurance-agency.asp

Learn More About Motor Homes
0 Comments



Leave a Reply.

    Categories

    All
    ATV
    Boats
    Business
    Dental
    FAQs
    Financial
    Flood
    Golf Cart
    Health
    Home
    Insurance
    Life
    Local
    Motorcycles
    RV's
    Safety
    Snowmobile
    Trailer

    Archives

    October 2022
    September 2022
    July 2022
    June 2022
    March 2022
    February 2022
    December 2021
    October 2021
    May 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    May 2020
    April 2020
    March 2020
    February 2020
    December 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    September 2018
    May 2018
    April 2018
    February 2018
    November 2017
    October 2017
    September 2017
    August 2017
    April 2017
    March 2017

    RSS Feed

Connect With Us

Contact Us

Click Here to Email Us

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us

Share This Page

Florida
6650 W. Indiantown Rd.
Jupiter, FL 33458


(561) 768-8176

Texas
11811 North Freeway, 
Houston, TX 77060

(713) 487-5538

Website by InsuranceSplash
© 2023 by HARRIS, REED & SEIFERTH INSURANCE GROUP, INC.
Photos used under Creative Commons from Ian Sane, allesopdemotor.nl de meest informatieve motor site, Carl Johan, Peter O'Connor aka anemoneprojectors, Jim Larrison, martinrstone, Gamma Man, onnola